India Home Loan Limited (INDIAHOME.BO) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-200.8%

-₹30.02

vs ₹29.78 price

Levered DCF

₹90.27

After debt service

Piotroski score

4 / 9

Average

Altman Z-score

—

Rating

C+

Overall 2 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2026	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
P/E	374.71×	157.9×	-13×	74.93×	23.49×	39.84×	16.06×	24.59×
P/B	0.87×	1.06×	1.09×	1.01×	1.02×	1.15×	1.18×	1.26×
P/S	2.44×	3.32×	3.76×	2.04×	1.52×	1.48×	1.41×	1.44×
EV / EBITDA	195.05×	134.42×	-25.44×	47.86×	18.4×	48.75×	46.4×	59.45×
Gross margin	47.7%	23.1%	-1.6%	28.5%	34.7%	21.7%	21.9%	20.8%
Operating margin	1.2%	3.5%	-34.9%	10.3%	26.5%	13.0%	13.9%	11.2%
Net margin	0.7%	2.1%	-28.9%	2.7%	6.5%	3.7%	8.8%	5.8%
Current ratio	0.18×	83.55×	29.64×	47.14×	64.88×	190.28×	23.65×	5.35×
Debt / equity	1.05×	1.2×	1.38×	2.04×	2.51×	4.14×	4.66×	5.46×
Interest coverage	0×	0×	-0.44×	40.62×	0×	72.85×	59.82×	0×
Dividend yield	0.0%	0.0%	0.0%	0.0%	0.3%	0.5%	0.8%	0.8%
Payout ratio	0.0%	0.0%	0.0%	0.0%	7.5%	19.1%	12.3%	18.8%

Key metrics by fiscal year

Metric	FY2026	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
Return on equity	0.2%	0.7%	-8.4%	1.4%	4.4%	2.9%	7.4%	5.1%
Return on invested capital	0.1%	0.4%	-4.1%	1.0%	2.2%	1.4%	1.5%	1.0%
Return on assets	0.1%	0.3%	-3.3%	0.4%	1.1%	0.5%	1.3%	0.8%
Free cash flow yield	8.6%	8.8%	69.0%	76.7%	89.0%	16.9%	23.4%	-124.0%
Earnings yield	0.3%	0.6%	-7.7%	1.3%	4.3%	2.5%	6.2%	4.1%
Enterprise value	₹793.5M	₹930.4M	₹1B	₹1.4B	₹1.5B	₹2B	₹2.2B	₹2.4B
Net debt / EBITDA	106.26×	70.86×	-14.18×	32×	13.06×	37.98×	36.94×	48.09×
Cash conversion cycle (days)	-10	-5	-10	-9	-4	1	-0	-6